The soaring housing prices in Chongqing have put great pressure on property buyers. Everyone wants to buy a favorite house, but it is too difficult for ordinary office workers. Buying a house by loan is a very popular practice now, and the first home loan can enjoy many preferential policies. Let's learn about Chongqing's first home loan policy!

Chongqing's first home loan policy

1. You can enjoy the preferential mortgage interest rate when you buy the first suite, but you must be 18 years old when you buy the first suite, and you can enjoy the preferential deed tax rate of 1% when you buy an ordinary house below 90 square meters.

2. There is no separate house under the name of the purchaser, except the house purchased with parents and acquired by demolition and resettlement.

According to the current national preferential policies, you can enjoy a 30% discount on the down payment for the first suite, but it is difficult to get a 30% discount on the down payment because of the increasing bank deposits and interest this year.

What is the down payment ratio of the first suite in Chongqing?

1. The first suite takes the family as the unit and adopts commercial loans, which can reach 70% of the appraised house price. (The appraised price is lower than the market price, for example, the market price of a house is 654.38+0 million, and the appraised price is only 800,000, so 70% of the 800,000 can be loaned, that is, 560,000, and the remaining house price is 440,000 as the down payment).

2. If it is the first time to buy a house, you can get a loan of 80% of the appraised house price, provided that the house area is within 90 square meters and the loan of more than 90 square meters is 70%. According to the adjustment, at present, in non-restricted cities, only 75% of loans can be made for the first time, and the provident fund has no rating, and generally only 800,000 loans can be made.

3. The first suite can also be discounted at the interest rate, which is 85% of the benchmark interest rate. Now, commercial loan recognition depends not only on whether there is real estate under the family name, but also on whether there is a loan record before.

Bian Xiao concluded: The content of Chongqing's first home loan policy is briefly introduced here, hoping to help everyone! The first home loan has certain preferential policies. You can learn more about the preferential policies before buying a house.

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